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To negotiate a settlement with an insurance claims adjuster, you need to effectively communicate your case regarding liability, emphasizing that the other party is at fault. Start by gathering and providing documentation that supports your claims, including emergency room and urgent care bills, primary care records, and physical therapy or chiropractic treatment records. Additionally, provide evidence for wage loss, such as off-work slips and pay stubs. Remember to include details on pain and suffering, as well as any disability or disfigurement. Properly presenting this information can strengthen your position in negotiations.